les banquiers commencent à s' inquiter du taux de chomage (7.2 %, qui monte) , et si ce taux passait 9 à 10 % ce serait explosif et le taux de défaut sur les crédits pulvériserait les banques.
http://online.wsj.com/article/SB1232932 ... lenews_wsjDespite all the pain in the financial sector, bank executives' biggest fear has yet to materialize. Now, it is rearing its ugly head.
Bankers' worst nightmare is the unemployment rate climbing toward 10%, a level at which credit losses could balloon unpredictably because of high defaults among people with previously strong credit histories.
Right now, bank balance sheets don't appear in a position to deal with unemployment moving sharply higher from its current 7.2% rate.
Building up bad-loan reserves to deal with a 9% to 10% rate could produce enormous losses and pulverize capital when banks are trying to preserve the thin cushions they have. And fear of rising unemployment could deter lending when the government wants banks to expand credit. True, the Obama administration's stimulus plan could reduce unemployment expectations. But right now, banks are hoisting their joblessness forecasts.
et pour la Californie dont on a déjà parlé le mois dernier ( ici par exemple : http://forums.oleocene.org/viewtopic.ph ... 99#p222599 ) la situation est desepérée :
La Californie ne sera plus en mesure de régler ses factures à partir du 1er février (WorldNetDaily)
mercredi 28 janvier
The state of California has run out of money.
Facing a $42 billion budget deficit, State Controller John Chiang told the Sacramento Bee he has already borrowed $21.5 billion to try to cover the state’s checks, but by Feb. 1, there will be no more options left but to simply stop paying some of the bills - including tax refunds, welfare checks, student grants and other payments owned to California citizens.
"It pains me to pull this trigger," Chiang said at a news conference held in his office. "But it is an action that is critically necessary."
Federal law requires that many school and healthcare programs - a total of about $6.6 billion in California - must be paid, the Los Angeles Times reports, so Chiang has announced an expected payment freeze on $3.7 billion worth of the state’s bills, most of it refunds owed to taxpayers.
But even with the freeze beginning next week, the Times reports, California will still fall $346 million short for the month of February, forcing Chiang to consider something only done once since the Great Depression : issuing IOUs.
Sources World Net Daily
laisse moi rire 
) je pense que Catherine a moins de colle dans les yeux que sa sainte... 
